You can customize your policy with a variety of endorsements that increase your coverage and provide even more peace of mind.


This flexible endorsement can be attached to your physical damage policy for an additional premium and can be tailored to fit your individual needs.

  • Diminishing Deductible
    For every loss-free year, the original deductible amount will decrease by 25% until it reaches $0
  • Single Deductible
    When a tractor and trailer are insured under the same policy and damages result from the same covered loss, only one deductible will apply
  • Downtime/Rental Reimbursement
    This coverage can offset costs associated with downtime and rental reimbursement, subject to a short waiting period
  • Personal Effects
    Protection for personal belongings that are inside the truck
  • Electronic Equipment
    Protection for electronic equipment that is inside the truck
  • Tarps, Chains and Binders

Deductible Buyback

Lease contracts may require Owner-Operators/Independent Contractors to take on the deductibles of the Motor Carrier’s trailer, cargo and Physical Damage Liability. That can lead to significant, multiple expenses in the case of a loss.

Deductible Buyback can pay deductibles on behalf of the driver. The low monthly fee offsets a potentially costly settlement for the driver, and the Motor Carrier can feel comfortable knowing there is a financing source for payment of a covered loss.

*Available on Motor Carrier Sponsored Programs only